Capital One airline and hotel transfer partners: How to maximize your miles

Capital One’s travel rewards ecosystem has become a serious contender for savvy points and miles collectors.
With more than 15 airline and hotel partners, most of which offer 1:1 transfer ratios,
Capital One miles
can unlock exceptional value when used strategically. Whether you’re eyeing premium cabin flights or stretching your miles for everyday trips, Capital One’s flexibility lets you travel better at a lower out‑of‑pocket cost.
Here’s a closer look at how to
make the most of Capital One’s transfer partners
— and why this program should be on your radar.
Related:
15 dream trips you can take with Capital One miles
Capital One airline and hotel transfer partners
ERIC ROSEN/THE POINTS GUY
Here are the Capital One transfer partners, the ratio at which you can transfer Capital One miles to each partner and the transfer times,
based on our testing
:
Accor Live Limitless: 2:1 transfer ratio, two business days
Aeromexico Rewards: 1:1 transfer ratio, instant
Air Canada Aeroplan: 1:1 transfer ratio, instant
Air France-KLM Flying Blue: 1:1 transfer ratio, instant
Avianca LifeMiles: 1:1 transfer ratio, instant
British Airways Club: 1:1 transfer ratio, instant
Cathay Pacific Cathay: 1:1 transfer ratio, 24 hours
Choice Privileges (only U.S.-based accounts): 1:1 transfer ratio, 24 hours
Emirates Skywards: 1:1 transfer ratio, instant
Etihad Guest: 1:1 transfer ratio, instant
EVA Air Infinity MileageLands: 4:3 transfer ratio, 36 hours
Finnair Plus: 1:1 transfer ratio, instant
I Prefer Hotel Rewards (Preferred Hotels & Resorts): 1:2 transfer ratio, instant
Japan Airlines Mileage Bank: 4:3 transfer ratio, instant
JetBlue TrueBlue: 5:3 transfer ratio, instant
Qantas Frequent Flyer: 1:1 transfer ratio, instant
Qatar Airways Privilege Club: 1:1 transfer ratio, instant
Singapore KrisFlyer: 1:1 transfer ratio, instant
TAP Air Portugal Miles&Go: 1:1 transfer ratio, instant
Turkish Airlines Miles&Smiles: 1:1 transfer ratio, instant
Virgin Red: 1:1 transfer ratio, instant
Wyndham Rewards: 1:1 transfer ratio, instant
How to earn Capital One miles
Here’s a summary of some currently available
cards that earn transferable Capital One miles
:
Card
Welcome offer
Earning rates
Annual fee
Capital One Venture Rewards Credit Card
Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Travel

2 miles per dollar spent on every other purchase

$95
Capital One Venture X Rewards Credit Card
Earn 100,000 bonus miles after spending $10,000 on purchases within the first six months from account opening.
10 miles per dollar spent on hotels and rental cars booked through Capital One Travel

5 miles per dollar spent on flights and vacation rentals booked through Capital One Travel

2 miles per dollar spent on every other purchase

$395
Capital One VentureOne Rewards Credit Card
Earn 20,000 bonus miles after spending $500 on purchases within the first three months from account opening. Plus, enjoy a $100 credit to use toward flights, hotel stays and rental cars booked through Capital One Travel during your first cardholder year.
5 miles per dollar spent on hotels and rental cars booked through Capital One Travel

1.25 miles per dollar spent on every other purchase

$0
Capital One VentureOne Rewards for Good Credit
None.
5 miles per dollar spent on hotels and rental cars booked through Capital One Travel

1.25 miles per dollar spent on every purchase

$0
Capital One Venture X Business
Earn up to 400,000 bonus miles: 200,000 miles after spending $30,000 on purchases in the first three months from account opening, plus an additional 200,000 miles after spending $150,000 on purchases in the first six months.
10 miles per dollar spent on hotels and rental cars booked through Capital One Business Travel

5 miles per dollar spent on flights booked through Capital One Business Travel

2 miles per dollar spent on every other purchase

$395
Capital One Spark Miles for Business
Earn 50,000 bonus miles after spending $4,500 on purchases within the first three months from account opening.
5 miles per dollar spent on hotels and rental cars booked through Capital One Travel

2 miles per dollar spent on every other purchase for your business

$0 introductory annual fee for the first year, then $95 after
Once you have a card earning transferable Capital One miles, you can
convert cash back from your other Capital One cards
into transferable miles.
Related:
The best time to apply for these popular Capital One credit cards based on offer history
Best Capital One transfer partners
ERIC ROSEN/THE POINTS GUY
TPG’s November 2025
valuations
peg the value of Capital One miles at 1.85 cents each. Here are some of the best options.
Air Canada Aeroplan
: You can find great sweet spots with
Aeroplan program
partners that use fixed award pricing, such as 60,000 miles in business class from the Northeast to Europe on carriers like Lufthansa, Swiss and Austrian Airlines. Plus, Aeroplan doesn’t pass on carrier-imposed surcharges, so you can book
Star Alliance
award tickets with relatively low taxes and fees; you can also add a stopover on a one-way award for 5,000 points.
Air France-KLM Flying Blue
: The loyalty program of Air France, KLM and Transavia uses dynamic pricing. If you can find the limited Saver availability, you can book business-class flights to Europe for 60,000
Flying Blue
miles. Also, consider the monthly
Promo Rewards
for further discounts.
British Airways Club
: There are many reasons why you should care about the
British Airways Club and its Avios currency
. One major reason is the
British Airways distance-based award chart
. For example, you can book off-peak, Iberia-operated, business-class flights from select U.S. cities to Madrid or Barcelona for 40,500 Avios plus about $117 in taxes and fees one-way. You can also redeem Avios for American Airlines and Alaska Airlines domestic award flights, starting at just 12,000 British Airways Club Avios.
Qatar Airways Privilege Club
: This is the best way to book Qatar Airways’ legendary
Qsuite business-class product
, where you’ll need just 70,000 Avios from anywhere in North America to Hamad International Airport (DOH) in Doha, where the cheapest Saver availability exists. With Qatar Airways regularly blocking Qsuite availability to certain partner airlines, it’s best to book directly with
Qatar Airways Privilege Club
.
Turkish Airlines Miles&Smiles
:
Turkish Airlines’ Miles&Smiles
program still uses award charts and provides an appealing sweet spot: United Airlines-operated flights between the U.S. and Hawaii for just 10,000 miles one-way in economy. You won’t be charged fuel surcharges on United-operated flights, and fuel surcharges are fair on Turkish-operated flights with business-class seats to Turkey. They start at a very reasonable 65,000 miles, and there is often great availability.
Virgin Red
: Virgin Red is the loyalty program for the Virgin family of brands. Among other things, you can use Virgin points to book flights through the
Virgin Atlantic Flying Club
program and cruises with
Virgin Voyages
. Though
Virgin Atlantic has switched to dynamic award pricing
, you can fly one-way from the U.S. to Europe in economy from only 6,000 points plus about $110 in taxes, fees and surcharges, which is a terrific deal.
Mid-tier Capital One transfer partners
Le Splendid Hotel Lac d’Annecy — Handwritten Collection in France. ACCOR
Below are some transfer partners that can offer solid value, but you’ll want to compare the cash price to the mileage cost before transferring miles.
Accor Live Limitless
: With fixed-value redemptions,
Accor’s loyalty program
allows you to redeem 2,000 points for 40 euros off your stay — about $47. With a 2:1 transfer ratio, 4,000 Capital One miles would save you $47. This is slightly better than the fixed-rate travel redemption through Capital One, which yields $40 for the same amount.
Avianca LifeMiles
:
Avianca LifeMiles
is known for offering reasonable redemption rates on Star Alliance partner flights and not passing fuel surcharges onto passengers using partner awards. Thanks to a generous pricing structure for mixed-cabin awards, you might be able to drop that price even further if a short connecting flight is in a lower class of service. Note that Avianca’s website is difficult to use, and its call center is frustrating.
Japan Airlines Mileage Bank
: Japan is a popular travel destination, and this program offers business-class flights to Japan from 55,000 miles. However, this transfer option is only mid-tier, as the transfer rate is 4:3. So, you’ll need more Capital One miles, and Japan Airlines Mileage Bank miles have a hard expiration date of 36 months after accrual.
Cathay Pacific Cathay
: This
program
uses distance-based pricing, which can result in high award costs, especially in premium cabins. However, Cathay Pacific Cathay may also offer lower surcharges on British Airways awards and better access to Cathay Pacific’s first-class space, though it’s still hard to find.
Finnair Plus
:
Finnair Plus
uses Avios as its award currency. Its zone-based chart creates some
Finnair Avios sweet spots
. Plus, you can sometimes avoid paying as many surcharges when you book through Finnair instead of British Airways.
Singapore KrisFlyer
: If you want to
book Singapore Suites or first class
, book using
Singapore KrisFlyer
. You may also find good value when you redeem KrisFlyer miles for
Singapore Airlines’ Spontaneous Escapes
.
Qantas Frequent Flyer
:
Qantas Frequent Flyer
offers dynamically priced
Classic Plus Rewards
for its flights. However, booking Classic Flight Rewards that use distance-based charts usually offers better value, especially for Emirates’ business class and first class (if it is available). Note that most of these rates
have recently increased
.
Wyndham Rewards
: The most expensive
Wyndham Rewards
properties cost just 30,000 points per night, offering high value compared to cash rates.
Lower-value Capital One transfer partners
AARONP/BAUER-GRIFFIN/GETTY IMAGES
Due to expensive award charts, bad transfer ratios, hidden fees and programs that are difficult to navigate, you probably won’t maximize your Capital One miles with these transfer partners.
Aeromexico Rewards
: Once you consider the taxes and fees and the booking fee (even when booking through the website), the
Aeromexico Rewards
program holds little value.
Choice Privileges
: Since TPG’s November 2025
valuations
put the value of
Choice Privileges
points at just 0.6 cents per point, transferring Capital One miles to Choice Privileges at a 1:1 ratio usually won’t yield you the best value. Instead, consider buying Choice points during a sale or signing up for a
Choice Privileges credit card
to earn Choice points.
Emirates Skywards
: With high redemption costs, carrier-imposed surcharges and now a
restriction on first-class redemptions
to elite members,
Emirates Skywards’
high redemption costs and surcharges often reduce value. Try
Qantas
instead.
Etihad Guest
: Miles in the
Etihad Guest
program expire after 18 months unless you take a flight operated by Etihad Airways or a partner airline. Not to mention, the cancellation charges for awards are excessive.
EVA Air Infinity MileageLands
: Capital One already partners with several other Star Alliance programs that are usually better for booking awards. EVA Air’s
award chart
is typically more expensive, and the program can be difficult to navigate.
I Prefer Hotel Rewards
: Although the headline ratio looks generous,
I Prefer Hotel Rewards
points are only worth around 0.5 cents each, and not all properties allow points‑only redemptions.
JetBlue TrueBlue
: The 5:3 transfer ratio makes
JetBlue TrueBlue
a less favorable option for transferring your Capital One miles compared to the 1:1 partners.
TAP Air Portugal Miles&Go
: TAP’s
Miles&Go
program does have
award charts
, but you’ll see other (often higher) rates when you search for awards.
Bottom line
Some excellent Capital One transfer partners can almost single-handedly carry the value of Capital One miles.
However, not every transfer partner will provide outsize value, so remember to compare the cash price of your ticket or hotel stay before transferring Capital One miles.
Sometimes, buying a paid ticket (or stay) and then redeeming Capital One miles at a fixed value to cover your recent travel purchase will yield better value.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.